Maret Mortgage Brokers

VA Loan Guide

Free resource for Arizona veterans. Everything you need to know about using your VA benefit to purchase, streamline refinance, or access your home equity in Arizona — plain English, no sales pitch.

Here's what you'll learn

  • The 4 VA loan advantages conventional borrowers don't get — including the one that saves most veterans hundreds per month, and how to find out if you qualify for a full funding fee exemption.
  • The complete VA funding fee chart, and who pays zero. Veterans with a service-connected disability rating of 10% or higher are fully exempt — we verify this for every client before running numbers.
  • VA eligibility explained, including the Guard and Reserve rules most people get wrong, plus how to get your Certificate of Eligibility in 60 seconds.
  • Step-by-step: what actually happens from VA pre-approval to closing day in Arizona, including what VA appraisers look for.
  • The IRRRL explained — how to know in 60 seconds if a streamline refinance makes sense for you. No appraisal or income docs in most cases.
  • VA Cash-Out vs. HELOC vs. Conventional — a side-by-side comparison of why VA often wins at 90% LTV.
  • The 10 VA loan myths costing Arizona veterans time and money, debunked — including common Realtor misconceptions.

Who's behind this guide

Matt Maret | Broker/Owner. I specialize in VA home loans — purchase, IRRRL, and cash-out refinance — for active duty military, veterans, and surviving spouses across Arizona. Most veterans navigating a home purchase or refinance are relying on someone who handles two or three VA loans a year; I do this every day. My goal is to give you the same information I give my clients: no jargon, no sales pitch, just the facts you need to make a smart decision.

Call or text (480) 529-0904 · matt@maretmb.com · LO NMLS #275125 · Company NMLS #2525203

Ready to take the next step?

A 15-minute VA Check call costs you nothing and gives you complete clarity on what you qualify for, your payment, and what comes next. Send us a message using the contact form and mention the VA Loan Guide — we'll follow up directly.